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The Choice 401(k) Investors Must Make Before They Choose
Fiduciary News; registration may be required 
Nov. 20, 2012
"In the end, each investor, especially retirement investors, need to know the nature of their investment goals. Most importantly, they need to recognize the true time horizon of those goals.... [E]ither the Total Return Method or the Assigned Asset Method can be used. Each has its advantages. Each has its drawbacks. Professional providers are aware of these. Individual investors may not be."
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